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Merchant Account Pre-Application

Thank you for choosing Dharma and starting your pre-application!



The entire pre-application should only take a few minutes, but please be as thorough as possible. We will ask for basic business information, information about the account signer, and processing expectations. We'll also request some business documentation as well. Please note that we only work with US and Canadian based businesses, and do not work with adult services or high-risk merchants.


Here is how the process works:



1. Once you complete this pre-application, an Account Manager will contact you within 1 business day to go over the information you provide.

2. The Account Manager will transpose the data onto an application, and email it to you for you to sign.

3. Once you return the signed application along with the required documentation, your application will be processed in 2 business days.

4. Upon approval, we will then work with you to set up your terminal, gateway or other device or software.

Let’s get started!

   

How did you hear about us?
We want to thank whoever referred you to us!
Please select a source above! If you don't see an entry listed, select "Other" and you'll have the opportunity to explain in more detail.
Since you answered "Other" please write in who referred you.
Please let us know how you found out about us, even if it was an internet search!
If you've been working with an Account Manager, please enter his/her name here.
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Please select all times that you'd like to be contacted.
These times are for the Pacific Time Zone, as we're based in San Francisco, California.



Please select a good time for us to contact you!
You'll be able to process any way you please with your new Dharma account.
We'll just need to know if your primary method of credit card acceptance is card-present (swiped), or card-not-present (not swiped.)
Please select one!
Please select which category best describes your organization.
If none of the categories are indicative of your business type, select "other."
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Please tell us how you plan on using your new account.
What products or services will you offer? Will you be taking donations? What will you be accepting payments for? Use as much detail as you'd like! We'd like to get as much understanding as we can, so we can serve you best.
We'll need to know what you're selling or accepting payments for, so that we can structure your account accordingly. It's a Visa/MC requirement that we determine specifically how you'll be using your account.
Now, shorten it a bit!
So that we can best classify your account with Visa/MasterCard, please be as brief as you can and tell us specifically what you'll be accepting payments for, in 60 characters or less.
Please only enter 60 characters or less. We need to be able to properly classify your organization.
   

How is the organization classified by the IRS?
Please make a selection!
Please enter the "Doing Business As" name (DBA)
This is the name you'd like to appear on your customer's credit card statements. It can be up to 25 characters long. It must match with the name on your website and branding. If your DBA isn't clear, you risk confusing your customers and incurring chargebacks.
Your DBA can contain a maximum of 25 characters, only letters and numbers please!
Please enter the date that your organization was formed, in MM/DD/YYYY format.
You may use the "click for calendar" button to select a date.
Please enter the Month and Year that the organization formed, in MM/DD/YYYY format.
How many years has the organization been under the current ownership?
As a non-profit, this will be the same amount of time that your organization has existed.
Please write in "O" if your business is just starting. Otherwise, please input how many years you've been in business.
Please enter the Taxpayer ID, or Employee Identification Number.
This is 9 digits. If you're a sole proprietor, this could be your Social Security Number. If so, please don't enter it here.
Please, no dashes or spaces! We'll need this nine digit number to process your application. If you're a sole proprietor, this may be your social security number - if so, please do not enter it here.
Please enter the website of the business.
If you'll be taking any payments online, please enter the site where payments are accepted.
Please input your website. If you're applying for an online account, this is required. If you're applying for a retail account, you can simply enter "N/A"
Please enter the best email address for the organization.
This should be an address you're comfortable sharing with customers.
We'll need a valid email address for communications.
   

Is your mailing address the same as your business address?
Select "No" if you'd like to designate an alternate mailing address, or PO Box.
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Please input the Mailing address where you'd prefer statements to be sent.
Please enter a valid US street address.
City
Please enter a valid city.
State
Please enter a valid State.
Zip code
Please enter a US zip.
Please enter the phone number for the organization.
Don't forget to include the area code. This is the number your customers will use to contact you.
Please enter the business phone number.
Please enter the fax number for the organization, including area code.
If you do not have a fax, you may leave this blank.
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Please enter the name of the main point of contact for this account.
This can be a different person than the owner/signer, such as an office manager, accountant, or husband/wife.
Please enter the name of the main point of contact. This can be the same as the Owner/Signer, if you please.
Please enter the contact's phone number.
Don't forget to include the area code.
Please enter a valid phone number.
Please enter the contact's email address.
Please enter a valid email address.
   

Please enter the Owner's first name.
If your organization is a non-profit, this "Owner" will be the person signing the application, and we'll be using this information only for identity verification, as per the US Patriot Act.
Please enter the Owner's name.
Please enter the Owner's last name.
Please enter the Owner's last name.
Please enter the Title of the Owner/Signer.
Please input the title of the owner.
Please enter the percentage of ownership for the Owner.
If you're the sole owner, please enter "100."
Please enter a number between 1 and 100.
Will there be a second owner on the application?
As a for-profit firm, the owner will need to have at least 51% ownership to sign, otherwise we'll require a second owner to sign.
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Please enter the physical street address where the Owner/Signer lives.
If your organization is a non-profit, this information will be used only for identification purposes, as per the US Patriot Act.
Please enter the address.
City
Please enter a city.
State
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Zip code
Please enter a US zip.
Does the Owner/Signer rent or own their home?
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Please enter the Home phone number of the Owner/Signer.
Don't forget to include the area code.
Please enter a valid phone number.
Please enter an alternate phone number for the Owner/Signer.
Don't forget to include the area code.
Please enter a valid phone number.
Please enter the email address of the Owner/Signer.
This should be the email address you'd like Dharma to use when communicating with the Owner.
Please enter a valid email.
Please enter the Second Owner's First name.
Please enter the Second Owner's first name.
Please enter the Second Owner's Last name.
Please enter the Second Owner's last name.
Please enter the title of the Second Owner.
Please input the title of the second owner.
Please enter the Percentage of ownership for the Second Owner.
Please enter a number between 1 and 100.
Please enter the physical street address where the Second Owner lives.
Please enter the address.
City
Please enter a city.
State
Please enter a valid state.
Zip code
Please enter a US zip.
Does the Second Owner rent or own their home?
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Please enter the phone number of the Second Owner.
Don't forget to include the area code.
Please enter a valid phone number.
Please enter an alternate phone number for the Second Owner.
Don't forget to include the area code.
Please enter a valid phone number.
Please enter the email address for the Second Owner of the business.
Please enter a valid email.
   

Is the organization currently accepting credit cards?
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What company is currently processing credit cards for the organization?
Please enter the name of your current provider.
Please let us know why you're leaving your current processor.
Many merchants are looking for lower rates, better service, or the desire to process with a mission-aligned partner.
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Will this account be used for a one-time event?
This might be a fundraiser, golf tournament, or charity dinner/auction.
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Please enter the date of your event.
Please enter a valid date.
Please enter any pertinent information about your one-time event.
This includes what the event is for, expected volume levels, how far in advance you'll be selling tickets, refund policies, ticket prices, expectations, etc. The more detail the better!
Please tell us about your event.
Please enter the average credit card transaction amount.
You can determine this by dividing your total sales by the amount of transactions you processed.
Please enter the average transaction in a number format.
Please enter the largest credit card transaction you expect to process.
A good way to determine this is to ask yourself "What's my most expensive product?" or "What's the largest donation I've ever received by credit card?"
Please input the maximum transaction in a number format.
Please enter total credit card volume that you expect to process every month.
If you expect to process $10,000, then enter "10000". Please include Visa, MasterCard, Discover, and American Express transactions. Do not include cash/check transactions.
Please enter the monthly volume in a number format.
How many days until delivery?
How many days will pass from when the credit card is charged, until the customer physically receives their good or service? If the card will be charged after the good/service is delivered, please enter "0."
Please enter the number of days that pass between processing and delivery.
Does your business have any seasonal processing, or high volume months?
You might expect high donations around the holidays, sales spikes during certain months, or ticket sales before events. Please list the timeframe and the expected increase in volume.
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Do you currently accept American Express?
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Would you like to accept American Express?
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Please select the refund policy that applies to your product/service.
Even if you're accepting donations, you'll have to state your refund policy.
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Please explain your refund policy in detail.
Since you selected "Other" as your refund policy, please describe it in more detail.
   

The next three boxes should total to 100. Please enter whole numbers.
Please enter the % of your transactions that are swiped.
If 90% of your sales are processed by physically swiping a card, you'd enter "90"
Please enter a value. If none of your transactions will be processed by swiping, please enter "0"
Please enter the % of your transactions that are internet orders.
Transactions automatically coming through your website are considered internet orders.
Please enter a value. If none of your transactions will be processed through the internet, please enter "0"
Please enter the % of your transactions that are keyed in to a terminal or virtual terminal.
Phone orders and mail orders are considered keyed transactions.
Please enter a value. If none of your transactions will be processed by keying-in, please enter "0"
Do you process any recurring transactions?
A recurring transaction is any transaction that is set to automatically take place at a set interval, without the need for you to manually process it. Common recurring transactions include a monthly membership fee, recurring donations, annual dues, or allowing your customers to pay with an installment plan.
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Please enter whole numbers for the next three questions.
Please enter the % of your total transactions that are monthly recurring payments.
For example, if 75% of your monthly processing comes from recurring donors or monthly membership fees, you'd enter "75". Enter "0" if you only take one-time payments.
Please enter a value between 0 and 100. If your organization does not process monthly recurring transactions, you'll enter "0"
Please enter the % of your total transactions that are quarterly recurring payments.
For example, if 50% of your processing comes from quarterly invoicing, you'd enter "50". Enter "0" if you only take one-time payments.
Please enter a value between 0 and 100. If your organization does not process quarterly recurring transactions, you'll enter "0"
Please enter the % of your total transactions that are annually recurring payments.
For example, if 60% of your processing volume comes from your annual membership dues, you'd enter "60". Enter "0" if you only take one-time payments.
Please enter a value between 0 and 100. If your organization does not process annual recurring transactions, you'll enter "0"
The next three boxes should total to 100. Please enter whole numbers.
Please enter the % of your clients that are Retail consumers.
If you sell products/services or take donations from individuals, please include those transactions here.
Please enter a value between 0 and 100. If your organization does not process for consumers, you'll enter "0"
Please enter the % of your clients that are Business to Business consumers.
If you sell to wholesalers, other firms/corporations, or if you take corporate donations, include those transactions here.
Please enter a value between 0 and 100. If your organization does not process for businesses, you'll enter "0"
Please enter the % of your clients that are Government agencies.
If you sell products/services to a city, town, or government agency of any sort, include those transactions here.
Please enter a value between 0 and 100. If your organization does not process for government agencies, you'll enter "0"
How do you promote/advertise your product or services?
Common channels are Google AdWords, email campaigns, Facebook, Twitter, word of mouth, or direct mail.
How do your customers find out about you?
Is a fulfillment house used, or do you ship your own products?
Please explain the lifecycle of a typical sale, from purchase to delivery. If you use a fulfillment house, please include their name and contact information.
Please tell us about how you ship your products or deliver your services.
   

Since you said you'll be physically swiping credit cards, please let us know if you'd like to purchase any equipment or POS Solutions from Dharma.








Please make a selection so that we can set your account up properly.
Please elaborate on your selection.
This is your chance to tell us exactly how you intend to process! Please let us know if you have any specific needs, requests, or desires when taking credit card payments. If you have a unique terminal situation, feel free to describe below.
Please tell us about your needs when processing in person.
Since you said you'll be processing credit cards online or over the phone, please let us know what Gateway Solution you'll need.




Please make a selection so that we can set your account up properly.
Since you'll be using Authorize.net, let us know if you're interested in any of their optional services!


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Please elaborate on your selection above.
Please give us any relevant information about how you'll be taking online/phone payments. What shopping cart will you use, or what features do you require? Please give us as much information as possible so that we can best serve your needs!
Please let us know how you'd like to accept payments!
   

Customized Webpages

Custom Mobile Webpages
Dharma has partnered with 4aGoodCause to create customized donation pages for our non-profit clients. Now, it's easier than ever to accept donations or event registrations in whatever way your donors wish to give. For all the details, click here - but these are the main benefits:

  • Get a customized, responsive webpage made just for your organization, viewable on any mobile device.
  • You'll be able to create unlimited customized event pages for your organization's ongoing events.
  • You'll have full access to Authorize.net, allowing you to use the Virtual Terminal to accept credit cards over the phone.
  • Donor management tools to help keep you connected to your donor base, and keep track of your donations.
  • Get access to advanced services like Mobile Marketing and Peer-to-Peer Fundraising to really maximize donations.


Please let us know if you're interested by selecting "yes" or "no".

Optional Services




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You may upload the required documentation below.


A voided check (pre-printed with your organization's name/address) and proof of your entity will be required. If you're currently processing, we'll also require statements from your current provider. Additional documentation could include marketing materials, business financials, invoices, contracts, or any other documentation you think is relevant. You don't have to upload documents now, but it will help speed up the approval process.






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Please only upload files with extensions of pdf, gif, jpg, tif, or png.
Please only upload files with extensions of pdf, gif, jpg, tif, or png.
Please only upload files with extensions of pdf, gif, jpg, tif, or png.
Please only upload files with extensions of pdf, gif, jpg, tif, or png.
Please only upload files with extensions of pdf, gif, jpg, tif, or png.
Please only upload files with extensions of pdf, gif, jpg, tif, or png.
Please note, if you are uploading any files, there may be a small delay between clicking "submit" and moving to the next page, as your files will be processing. Please only click "submit" once.
  • Authorize.Net
  • B Corporation
  • Better Business Bureau
  • Canvas Dreams
  • CardPayment Options.com
  • Conscious Capitalism
  • Green America
  • Merchant Maverick